Signs of school Bullying to students

The start of the new school year should be a positive and exciting time for children, but for many it also means a return to being bullied, and the physical and mental health consequences that accompany it.

Results of a study published in School Psychology Review found that nearly half of children in grades 4-12 reported being bullied by other students at least once during the previous month.

According to the National Bullying Prevention Center, a slightly higher portion of female than of male students report being bullied at school (23 percent versus 19 percent.)In a 2017 survey conducted by the U.S. 

Centers for Disease Control and Prevention, 19 percent of North Carolina high schoolers reported being bullied on school property within the previous year. 

When broken down by gender, 23 percent of high school girls and 15 percent of high school boys in North Carolina reported being bullied at school.

Possible signs that a child is being bullied at school include:- Acting in a way that is out of character for the child, such as becoming more angry or anxious.- Trying to avoid school with excuses such as increased physical complaints.- 

Demonstrating trouble with schoolwork.- Exhibiting unusual eating or sleeping habits.- Losing valuables such as lunch money or possessions.

"Bullying behavior tends to peak in middle school years, but it can happen at any age," says Dr. Michael Golinkoff of AmeriHealth Caritas, a national leader in healthcare solutions for those most in need."Victims of bullying may be reluctant to inform their parents or others.

 So it is important for parents to be observant for signs that their child may be getting bullied and respond accordingly," he emphasizes.But parents can help stop bullying before it starts and be part of the solution when it occurs. Some steps parents can take to help their child include:- 

Be informed. Find out your school’s policy on bullying and speak to the principal or other administrator.- 

Be engaged. Talk to your child about his or her experience. Don’t judge, just listen.- Be a team. Involve your child in strategies to help stop the bullying. Get the teachers on board so everyone knows what to do when problem behavior occurs.

"The most important advice for a child who is being bullied is to help them develop assertiveness skills and conflict resolution skills," says Dr. Golinkoff."This includes standing up for their beliefs and ignoring negativity directed towards them. Role playing exercises can help children learn how to take a stand against an aggressor."For more information, go to amerihealthcaritas.com

How You can Mourn Your Old Normal and Adapt to The New During the pandemic COVID-19

Deaths from the novel coronavirus COVID-19 have surpassed 110,000 in the United States and mourning the losses of these lives is important. In addition, we are also mourning lost habits and ways of life that are casualties of the coronavirus.Going out with friends, hugging a grandparent, even opening a door in a public place are on hold. 

Some of these changes were temporary. However, even as states begin to open up, changes in how we interact with each other and the world will likely continue for far longer."We need to grieve the ways of life we have lost," according to William Glover, Ph.D., president of the American Psychoanalytic Association (APsaA).

"Mourning is hard work," Sigmund Freud once wrote in his essay, "Mourning and Melancholia." What makes mourning so hard is having to give up attachments – whether to people or to a way of life – that can’t be replaced. 

Letting go of what we have lost helps us move on with our lives, although we will always miss the people, places, and things we have lost; in that sense mourning can never be complete.Mourning and grief are an important part of coping with loss and essential in managing changes and accepting new realities. 

Recognizing that our pre-COVID lives may never return is a loss to be mourned, and the work involved in this mourning can help us move on and into the new reality. 

However, some people struggle with the process more than others, and resist by responding with illusions of control, refusing to take precautions, and showing contempt for politicians and public health officials who try to explain the changing realities of daily life.In an article post on APsaA’s Psychology

 Today blogsite, psychotherapist Shelley Galasso Bonanno, MA, LLP, writes, "Each person processes and expresses grief in their own individual ways, yet there is comfort and power in understanding that one is not alone during this pandemic." One way to cope with grief is by finding meaning in the present situation, although how one does so may be different for everyone.Yet finding meaning is different for everyone. 

For some, it may mean providing food or assistance to a homebound neighbor, making masks for members of their community, or even donating money to help beloved organizations and venues stay afloat. Others may find meaning by expressing their emotions and reflecting on them with a therapist.Undoubtedly, there will be new ways to maintain relationships, enjoy life, and participate in activities with family and friends. 

Meanwhile, being able to tolerate the pain of grief and find meaning helps sustain us in difficult times.The American Psychoanalytic Association has created a resource page for the public and mental health providers with resources to help cope with anxiety and grief during this global pandemic.

Visit apsa.org/coronavirus for articles and videos and information on how to find a psychotherapist near you.

How can I get a motorcyle insurance quote online , [Find the cheapest Online Quotes about Motorbike insurance here]

At emivoz.com our service we knows how savvy our customers are – in today’s world where everything can be bought online – we are ahead of the crowd – which is why we are leaders in online motorcycle insurance.  Our user-friendly website is full of essential information and has an easy-to-follow, step by step guide to getting cheap motorcycle quotes.

Make sure you fill in the information accurately because the information you provide will directly impact the premium you will pay.  

In a few quick steps you will be asked: 

• age of your motorbike, make and model
• drivers – your name and other drivers – along with date of birth and some other basic personal information including occupation and credit rating
• name of current insurance provider and for how long
• address/ telephone and email address 

It could not be easier! Once these details have been entered you will be given a breakdown of different quotes available and comparisons between various policies.  

If you prefer to speak to someone you can call us directly and you will be able to get all the information you need from our expert professionals who will only be delighted to help.  

FAQs

If I modify my motorcycle will affect my insurance premium?

If you customize or modify your new motorcycle it is crucial to declare this to your insurance provider.   Any changes that you make to a bike are classified as modifications and can influence your insurance rate. Non-disclosure of information, even non-intentionally, will have an impact on your claims.

Why do modifications to my bike affect my premium?

Basically, insurers will assess the modifications to see if they enhance the performance of your motorcycle.  If the bike is more powerful as a result of the modifications, then it is more at risk of accidents. Sometimes cosmetic modifications, that do not enhance the performance, can increase the risk of theft, therefore, therefore affecting premiums. 

What determines my motorcycle premium?

Many factors determine the rate you pay for motorcycle insurance.  Statistics are gathered and analyzed. Some factors that will affect you rate are

• Age
• Driving experience
• Location
• Driving history
• Claims history
• Security features 
• Credit history 

Why does my credit score affect my motorcycle premium?

You can get a decrease on your premium rate based on your credit score.  Insurance companies use a credit-based insurance score in order to predict what insurance losses might be. It has been proven as one of the most accurate ways of creating an insurance rate. To predict your score many factors are considered including credit history, payment history etc.

It doesn’t matter what type of motorcycle you own old or new – get online at InsuranceQuotes.com and browse through our site’s in-depth coverage of everything you need to know before taking out a policy. 

Follow through our step-by-step guide to the cheapest motorcycle insurance with discounts and you will be pleasantly surprised at how easy it is. If you would like to speak to someone call us and any of our professional, highly trained team members will be delighted to answer your queries.

From the source 

Liability coverage will cover damage to another person in the event of an accident and property damage will cover any damage to your ride bike.  Motorcycle insurance is not an option optional choice – if you appreciate a good bike, you will appreciate good motorcycle insurance even more!

What are the benefits of motorcycle insurance?
With motorcycles becoming more and more popular as a means of transport, due to many factors including cost of maintenance, speed, accessibility to congested roads, it is important to get the right insurance policy for you and your motorcycle. To meet the minimum legal requirements a basic liability insurance will meet the required standard, you might want to consider other benefits of covering more than just the minimum.

Such as:

Underinsured / uninsured coverage. What happens if you are involved in an accident where the other party is not fully insured (or not insured at all!).  Luckily, there is an insurance policy that includes underinsured coverage an underinsured coverages and this will help pay for any damages to your motorcycle and more importantly cover medical expenses for any injuries that you may have incurred – even when the other driver has no insurance at all.

Liability – Bodily injury and Property damage. Let’s face it – accidents can, and do, happen even to the most careful drivers.   Accidents involving motorcycles can result in costly property damage and bodily injury claims.  If you don’t have the right insurance and have only insured yourself for the minimum amount you might well find yourself with a staggeringly high bill at the end of the claim.  Liability motorcycle insurance will keep you covered even when you are at fault! 

Comprehensive and collision coverage. This coverage will pay for repairs (due to damage or vandalism) and/orand / or replacement to your motorcycle if it gets stolen. You will have peace of mind and you can also adjust the premium costs by changing the deductible amount for this cover.

What factors influence your motorcycle rates?

Insurance rates are not just pulled out of the air – statistics are gathered and analyzed and just like automobile insurance, motorcycle insurance rates depend on many factors, some which are similar to auto car insurance cover:  location, make of motorcycle, driver safety but there are also some differences – let’s take a look

For starters the kind of motorcycle you have… if you are commuting around the city on a small bike then most likely your insurance will save more be less than that of a high-performance, big-engine bike. When it comes to motorcycle insurance – engine size does matter as they are seen to have a greater risk for accidents.

Where you live – like cars, insurance rates for motorcycles is influenced greatly by location. If you live in a populated area (seen as a great risk for accidents) with a high rate of crime this will most definitely be reflected in your insurance premiums. 

Your age is a factor which will affect your motorcycle insurance quote. It is statistically proven that younger riders are more likely to be involved in accidents…however, don’t be disheartened because the quality and experience of your driving, seen with driver and claims history, will play a part too.

It is important to speak to the experts when shopping around for cheap motorcycle insurance as there are many types of discounts that you could avail of, for example:

If you insure more than one bike – you may be liable for a discount
Bundling or multi-policymulti policy insurance cover – having more than one policy with the same insurer
Mature riders – if you have lots of rider miles behind you then some companies will offer a discount.

Do a safe driver course (with a recognized association)
Stick with the same insurance company – loyalty points mean a discount on cheap motorcycle insurance. 

Top 5 insurance types that may offer veterans discounts and benefits

If you're on active duty or have served in the U.S. military, you might save big on many types of insurance through government programs and special discounts from insurers.

Here are five common types of insurance, and what veterans should know about each one.

Insurance discounts veterans are entitled to, by insurance type

1. Health insurance
Health care or insurance options depend on many factors for veterans: whether they're on active duty, whether they're retired or separated from the military, if they have a disability connected to their service, and other factors such as income. Here are the main ways veterans can get health insurance coverage.

TRICARE: The U.S. Defense Health Agency's TRICARE program provides health care for active duty troops, Army National Guard, Air National Guard, Army Reserve, Navy Reserve, Marine Corps Reserve, Air Force Reserve, and Coast Guard Reserve members, and military retirees.

TRICARE does count as minimum essential coverage under the Affordable Care Act, according to the TRICARE website.

The VA system: Some veterans are eligible for health care services through the Department of Veterans Affairs (VA) health system.

The VA system is a health care provider and not an insurer, says Carl Blake, national legislative director for the nonprofit Paralyzed Veterans of America (PVA).

However, veterans enrolled in the VA system do not need to purchase insurance to comply with the individual mandate of the Affordable Care Act because the care provided by the VA counts as minimum essential coverage. But not all veterans are eligible to enroll in the VA, Blake adds.

The biggest challenge for veterans enrolled in the VA system is access to care, he says. Demand for services continues to increase as young veterans return from Iraq and Afghanistan, and Vietnam veterans get older and sicker, he says.

"The complaint I often hear is how long it took to get an appointment or to be seen by a doctor," Blake says, adding that veterans typically are happy with the quality of care.The VA has eight enrollment-priority groups, with the top priority group consisting of veterans with severe service-related disabilities.

Veterans in the lowest priority group who are "presumably of a higher income and have no service-connected disability" can't enroll; the VA stopped accepting enrollees from that group in 2003, Blake says. Out of a total veteran population of about 22 million, about 9 million are enrolled in the VA system, and 6.5 million use it, Blake says.

Other insurance: Many veterans have employer-sponsored private health insurance through their jobs, Blake says. Others are covered by Medicaid or Medicare.  And there are about 1.3 million uninsured veterans in the United States, according to a 2012 report from the Urban Institute.

2. Auto insurance.
Some private insurers offer discounts for members of the military. These include:

Active military members, veterans who have served honorably, and their families can join the United Services Automobile Association (USAA), a financial services group founded by military members.

USAA offers a 15 percent discount on comprehensive auto insurance which covers incidents such as car break-ins or damage from animals for policyholders who garage their cars on base.

That's because cars typically are safer on a military base than outside of one, USAA spokeswoman Rebecca Hirsch says.
USAA has a mission to help its members become more financially secure, Hirsch says, and a survey showed that consumers who switched to USAA saved an average of $409 a year because USAA offered lower rates than their previous insurer, according to the USAA website.

Also, policyholders on active duty can save up to 90 percent on premiums while their vehicle is stored on or off base in a secure location and isn’t being driven.

The Geico Military Program offers auto and personal property insurance overseas, through partner insurers licensed in the country in which a customer is stationed. Geico also offers a 15 percent discount to some active duty and retired military members, as well as members of the Army National Guard, Air National Guard, Army Reserve, Navy Reserve, Marine Corps Reserve, Air Force Reserve, and Coast Guard Reserve.

3. Home insurance.
For home insurance, USAA offers "competitive rates," Hirsch says. Some companies might sell an endorsement, an addition to a home insurance policy that specifically covers a vacant home while the policyholder is deployed, according to the National Association of Insurance Commissioners.

4. Disability coverage and insurance.
The VA offers monthly disability benefits for veterans with a disability linked to an event, injury or disease that happened during military service. The PVA encourages veterans with disabilities that did not result from their military service to look into Social Security disability as an option, Blake says.

5. Life insurance.
The VA offers several types of life insurance to veterans.

Some veterans who became disabled through their service but are in otherwise good health can get a Service-Disabled Veterans policy of up to $10,000. Totally disabled veterans can get the coverage free, with the option to buy additional supplemental coverage, according to the VA website.

Some veterans with severe disabilities connected to their military service can get Veterans' Mortgage Life Insurance.

To be eligible, veterans must have a mortgage on a house they built, bought or remodeled with a Specially Adapted Housing (SAH) grant from the VA. The policy pays the amount of the mortgage still owed, up to $200,000, at the time of death.

Veterans who want to learn more about programs, insurance discounts and resources available to them should start at the VA's website, Blake recommends. He adds it's a good idea to talk to a service officer from a veterans' service organization who can help a veteran learn about and apply for available benefits.

"There's a ton of resources and information available for veterans," Blake says.

The main Warning Signs Your Homeowners Insurance May Go Up any time

If you’re worried that you’ll soon be paying more for your homeowners insurance, you may not be far off. In fact, that’s a more reasonable concern than, say, wondering whom Gwyneth Paltrow is consciously uncoupling from.

In fact in some states, premiums have risen so drastically Texas being one of them, soaring 14.9 percent that they’ve become a hot and controversial political topic. So, what causes a rate hike? The answer to this basic question lies in actuarial calculations, that is, insurance companies’ need to “collect enough money and pay only a few claims in order to make a profit after business expenses.” By understanding this premise, you may be able to avoid a hit.

For more warning signs of an impending rate increase, read on:

•    Filing a claim. The irony is that you are required to purchase homeowners insurance to offset any hazards that may happen, yet according to a recently released report by InsuranceQuotes.com, putting in even one claim results in an average hike of 9 percent nationwide, and an average of 32 percent in Wyoming.

“Even a denied claim can cause your premium to go up,” says senior analyst Laura Adams.

A second claim will get you an average of a 20 percent increase, per the report, with Michigan policyholders taking the hardest hit for as much as 71 percent.

•    Unacceptable roof care. Everyone knows that a home’s “curb appeal” can make or break whether prospective buyers flock to (or run from) your residence without even opening their car door. Insurance adjusters are no different, preferring to perform their own “drive-bys.” Their main concern? How well your roof is holding up.

If it looks to be in bad shape, insurers can jack up your rate or cancel your policy entirely. “Insurance carriers would prefer not to cover a home when a roof looks like it’s about to fail,” says one expert.

If, on the other hand, the same adjuster sees that you’ve got a snazzy new roof, your rate may actually decrease.

For those who prefer the latter scenario (and who wouldn’t?), Jason Joplin, program manager of the Center of the Advancement of Roofing Excellence, says to check out the Timberline collection of shingles from GAF (www.gaf.com) North America’s largest roofing manufacturer since those shingles have the advantage of being “rugged, good-looking, and affordable” all at the same time.

•    Changes to the neighborhood. Has your once-cozy suburban neighborhood ballooned in size? If so, actuaries could spot a pattern and conclude that your neighbors may have recently filed those dreaded claims.

What you have/need to know about Renters Insurance {INSURANCE QUOTES}

If you are thinking about renting, there are many questions that might be on your mind, such as whether you’ll have a good landlord, what your neighbors will be like and how you’ll come up with the money for your security deposit. 

With all this to consider, it can be easy to overlook the obvious  like renters insurance."Renters insurance satisfies a real need that many renters don’t even realize they have. For example, a small kitchen fire or an unattended candle can easily cause thousands of dollars in damage," said Kathy McDonald, senior vice president,

 Assurant Specialty Property.For instance, according to the National Fire Protection Association’s latest figures, residential structure fires accounted for $7.1 billion in property damage in 2010  an average of nearly $18,500 per fire.

If you’re looking to rent a house or apartment, here’s what you need to know about renters insurance: Renters insurance is affordable and easily fits into your budget, no matter how tight it is. 

Renters can easily protect their belongings and enjoy peace of mind for as little as $4 a week.

As a renter, you are financially responsible for damage to your unit if it’s a result of negligence  such as fire, smoke or water damage (via plumbing or AC issues, not flooding due to excessive rain).

 Many property managers now are requiring renters to have liability coverage. And renters insurance includes a liability component in case a mistake or accident of yours causes damage to a neighboring unit. Liability insurance also can cover injuries if someone is hurt in your home and needs medical attention.

 Some renters insurance policies cover burglary, lost or stolen luggage while you’re traveling and even items taken from your car.

 If you move, policies can be transferred to new communities and locations without a lapse in coverage.And for those renters who are worried about making their security deposit, there is some help. 

Many apartment communities offer residents the option of making a one-time bond premium payment instead of putting down an expensive security deposit, with a program such as SureDeposit.Renters insurance is an easy, affordable way for renters to protect what they own. 

Replacing your belongings after a fire or other disaster can be a costly burden. Why buy the same TV twice? With the right renters insurance program, you don’t have to.

To learn more about how to select the right renters policy, go to www.rentersecurity.com. For info on Sure Deposit, go to www.suredeposit.com.  http://com-me.com

Tips and Ways on How You Can Save Money on Health Insurance

The overwhelming mass of uninsured Americans is firsthand evidence that health insurance is too expensive  as if we didn’t already know.

On average, middle-income families with individual coverage spend 22 percent of their income on health care. Others pay up to 50 percent of their household income on health coverage, according to data from the Agency for Healthcare Research and Quality.

To avoid paying more for less quality coverage, it’s essential to compare insurance options and gather as many quotes as possible. There are, however, some other ways to save money on health insurance, too.

Check out five tricks and tips to save on health coverage:

1. If you get a call from an insurance provider as part of an application process, do not divulge any additional details. Since these calls are usually recorded, disclosing extra info could come back to bite you as a higher premium.

2. Know your insurance policy well, and review it when needed. You should know precisely what services and costs are and are not covered. Visiting in-network doctors, for example, can save a lot of money. In the event of complex surgeries or assessments, ask both the doctor and insurance provider explicitly what is covered before undergoing a procedure.

3. Exhaust group insurance options before buying an individual policy. Group insurance is always cheaper, but if your employer doesn’t offer health insurance, or if you’re self-employed, consider other group options. Groups like labor unions, fraternal and business organizations, student associations and other special-interest groups may offer coverage.

4. Consider reputable discount opportunities. Several states offer discount programs, and the Medicare Prescription Drug Discount Card and the Together Rx Access Card both save money on medication costs. Also, a new consumer-driven movement called All Our Power emerged recently that provides group buying power for individuals. As more people join the movement at www.allourpower.com, AOP negotiates with top insurance companies to secure lower rates for its members.

5. Regardless of your coverage, ask physicians and hospitals about paying for services in cash. Many hospitals offer huge discounts for patients paying in cash, but your insurance provider likely won’t be forthcoming about that tidbit.

Top Benefits of Permanent Life Insurance

When you are young, you are offered perfectly sound advice on a wide variety of topics, which you often ignore. One piece of advice that shouldn’t be ignored is the suggestion to consider purchasing a permanent life insurance policy early in your working life, while you’re young and healthy.

Too many young Americans see life insurance as a death benefit only, and fail to consider the advantages and complete value that it can provide. Permanent life insurance provides valuable death benefit protection but also builds cash value that policyholders can use to pay for college, make a down payment on a home or serve as an important source of income for any other purpose throughout their life.

The difference in benefits when purchasing a permanent life insurance policy at 25, versus age 40, is eye-opening.

A 25-year-old female paying a little more than $180 per month in a Flexible Choice Whole Life insurance policy will build more than $29,000 in guaranteed cash value by age 40, and by age 65, the guaranteed cash value would grow to $120,600, with a guaranteed death benefit of $300,000.

If this female were to wait until age 40 to make the same monthly payment in a Flexible Choice Whole Life policy, she would have just over $53,000 in guaranteed cash value at age 65, with a death benefit of $161,000. (Nearly half of the amount that could be available if she were to make the purchase at age 25.)

A financial professional will tailor a plan to fit your own financial goals, and demonstrate how permanent life insurance fits within a sound financial plan.

To learn more about the real benefits of a financial plan that includes permanent life insurance, and the advantages to starting today, visit www.prudential.com or contact +256759680892 olys

1 Accessing cash values may result in surrender fees and charges, may require additional premium payments to maintain coverage, and will reduce the death benefit and policy values.

2 Assumptions: 25-year-old female, preferred plus non-tobacco, $183 monthly premium, $300,000 death benefit.

3 Assumptions: 40-year-old female, preferred plus non-tobacco, $183 monthly premium, $161,503 death benefit. Assumes only a minor decline in health rating. Additional change in health would result in higher premium or inability to obtain coverage, com-me.com

Tips On how to Save on Home Insurance

The high cost of home insurance can seem like one more financial hurdle to homeowners, but a solid home insurance policy doesn’t have to break the bank.

Several factors can impact how much you pay for home insurance, including the age and size of your home, and whether you live in an area prone to natural disasters, such as fires, storms and flooding.

In fact, water damage is one of the largest sources of insurance claims, so making a proactive effort to monitor leaks and minimize the possibility of water damage can help reduce your home insurance premiums.

 Plumbing-related water damage accounts for 22 percent of homeowner claims filed each year and accounts for 25 percent of the claim dollars that insurance companies pay out. This is second to damage caused by acts of nature.

How can you monitor leaks? The technology in the FloLogic system acts like a circuit breaker for your plumbing system. The system monitors water throughout the home, and automatically shuts off the water if a leak is detected. Homeowners who install the FloLogic sytem may be eligible for a discount on their insurance.

Find out more about how the FloLogic System works by visiting www.flologic.com.

Other smart steps to save money on home insurance include:

Improve Your Home

Some insurers offer discounts to homeowners in older homes who upgrade outdated heating, electrical, or plumbing systems. Also a home security system may increase your chances of getting a lower premium.

Pump Up What You’ll Pay

If you choose a higher deductible (the amount you pay for any damages to your home), you will pay lower premiums. Be prepared to cover damages up to $1,000, so you can save your insurance claims for larger damages.

Shop Around

Read up on information about home insurance rates, and also about complaints related to price, customer service and a range of other issues issues. You can find many insurance quotes online, as well as customer feedback about the company. You may find that paying slightly more for home insurance from a company with mainly good reviews is worthwhile.

Double Up

Consider using the same company for home insurance and auto insurance. It’s not uncommon to get a reduced home insurance rate from a company if you also have car insurance or other types of insurance with them.

How Insurance Companies Can Adapt to Today’s Fast-Paced Lifestyle Even in pandemics like COVID-19

It’s recognized as a “silent epidemic” COVID-19 among our nation’s youth.

We’re talking sports-related injuries.

 Every day nearly 8,000 young athletes sustain an injury bad enough to send them to an emergency room, and  if that’s not chilling enough just look at these numbers from the National Athletic Trainers’ Association and the Centers for Disease Control and Prevention:

* In the past year alone, 48 youths died due to sports injuries.

* About 30,000 high school athletes are hospitalized every year.

* Concussions account for 90 percent of high schoolers’ 300,000 annual head injuries.

That explains why a new program called “Athletic TIPS” (Towards Injury Prevention in Sports) has garnered the support of everyone from health care professionals to athletic directors to sports stars like football legend Michael Strahan. The retired New York Giants defensive end, in fact, narrates the introductory video on behalf of the not-for-profit group behind the initiative.

The program’s goal? To foster “a safer experience” for athletes at the kindergarten through college levels by focusing on the recognition, prevention and management of sports-related injuries  all done through community workshops, online learning, and other grassroots initiatives.

“Athletic TIPS answers a critical need for educating school-age athletes, their parents, and advisors about sports-related injuries,” says Ed Goren, the former vice-chairman of Fox Sports Media Group, who’s backing the initiative. “Hopefully, parents will feel more confident encouraging their sons and daughters to reap sports’ substantial benefits and life lessons.”

The workshops target four key areas: concussion recognition and prevention; nutrition in sports management; preventing dehydration and heat-related conditions; and recognizing, managing, and preventing musculoskeletal injuries.

To learn more or schedule an Athletic TIPS Community Workshop in your area, visit www.COM-ME.COM.

Top Most Insurance Plans Cover Chiropractic Care in the World

 Feel free to use your insurance card when seeing a doctor of chiropractic.

About 30 million Americans seek chiropractic care annually, and apparently not all of them realize their visits are now routinely covered by major medical plans, Medicare, workers’ compensation, and even some Medicaid plans.

 Part of the increased availability is a result of measures like the Affordable Care Act and the embrace of chiropractic care at various government levels including military bases and Veterans Administration facilities.

How much of a game-changer would boosting awareness be?

Well, consider this: The more than $796 billion spent caring for musculoskeletal diseases in 2011 made it among the costliest health care expenditures, according to the latest available statistics. 

Meanwhile, the “chiropractic-first” approach many experts advocate  avoiding traditional surgery and potentially addictive drugs, that is  has been shown in numerous studies to be friendlier to both wallets and patients.

“Chiropractic care is documented to reduce costs per episode of care by up to 40 percent, while also yielding improved clinical outcomes and overall higher patient satisfaction,” notes Sherry McAllister, DC, executive vice president of the not-for-profit Foundation for Chiropractic Progress.

Doctors of chiropractic, who have a minimum of seven years of higher education, practice a hands-on, drug-free approach to addressing neuro-musculoskeletal conditions, including back, neck and joint pain.

Although perhaps best known for performing spinal adjustments, doctors of chiropractic are also trained to provide nutritional, dietary and lifestyle counseling.

Learn more at com-me.com

The Top Five Reasons Why You Need Cell Phone Insurance Now During COVID-19

Not long ago we only used cell phones to make calls or send cryptic, short-hand text messages. Now, we rely on our phones for storing our contacts and calendar appointments, watching videos, checking email, managing our connected devices and, of course, keeping up on social media. In fact, phones have become such a crucial part of our lives that many people sleep with them.

So when your phone becomes lost, stolen, or damaged, it can send the most unflappable of us into a panic. Which is why, most industry experts agree, it is worth considering cell phone insurance.

For those who may still be on the fence about cell phone insurance, consider this:

1. Despite monthly premiums and deductibles, insurance can save owners money. The average retail price of a new smartphone is $590; even higher for a basic iPhone 7 ($649). More than 70 percent of phone claims are filed within the first year. This means that customers with phone insurance who file a claim at month 12 on an iPhone 7 can save $318 – $342 on a replacement phone after premiums and deductibles.

2. Most after-market “protection plans” are extended warranty plans which only cover accidental damage and malfunctions. Only a cell phone insurance and warranty bundle available through most wireless carriers covers loss, theft and damage. This is important because one in four phone claims last year were from loss or theft, according to the nation’s leading mobile insurance provider Asurion.

3. Most cell phone insurance programs through wireless carriers include cracked screen repair for smartphones with a lower deductible than what you would pay for a replacement device, and often lower than a consumer would pay to take it to a repair shop.

4. Shoppers now pay the full cost of their phones either up front or in monthly installments. Those who have a loss or theft before they’ve paid off the installments will still have to make the remaining payments. What’s more, without insurance you could be left with both the remaining installments and the payments for a new phone. With a 128 GB iPhone 7 Plus, at 6 months a customer could still owe nearly $700 on their old phone while trying to pay for a new one.

5. For the customer that can’t imagine being without their beloved cell phone, most carrier cell phone insurance programs provide a replacement device the next day. Replacement devices through the major wireless carriers are backed by a 1-year warranty providing shoppers with peace of mind should they have any mechanical or electrical issues.

Tips on how to do Your Health Insurance Homework

Fall means not only shorter days and colorful leaves, but also the season of open enrollment for health insurance for most Americans.Employer-sponsored benefits can be confusing, and a combination of doing some homework and seeking expert advice can help most individuals make the most of the plans available to them.

Confusion over health insurance remains a common problem; approximately 76 percent of American workers reported that they did not understand some elements of their health insurance, according to the 2017 Aflac WorkForces Report conducted by Lightspeed GMI on behalf of insurance provider Aflac.Areas of concern reported by survey respondents included deductibles, copays, and the determination of whether a health care provider is in-network.Consumer education is the key to making smart decisions during open enrollment periods, according to Aflac, which offers three top tips for maximizing health insurance

Be prepared. Before your employer opens enrollment for health insurance this year, take the time to look into all the available options. 

Data from Aflac’s consumer survey showed that 83 percent of workers spent less than an hour researching potential health insurance benefit plans, and 20 percent of those did no research on health insurance plans at all.-Be advised. Get expert help. 

The Aflac survey found that approximately two-thirds (67 percent) of workers said they were confident that they understood all aspects of the health insurance plans for which they signed up.

However, only 24 percent said they understood everything when they were questioned in more detail about deductibles, copays, and in-network providers.-Be enhanced. Consider additional voluntary insurance coverage to help fill the holes in employer-offered plans. 

Approximately 81 percent of employees report a need for voluntary insurance benefits, according to the Aflac survey, and 90 percent say that they view voluntary insurance as essential to a complete health benefits program.

Some examples of voluntary insurance include not only health insurance, but also accident insurance, insurance for critical illness, and insurance for hospital stays, which may not be covered by an employer’s insurance. 

Voluntary insurance also can be used to help with expenses associated with gas, groceries, and rent for individuals with illnesses or injuries that prevent them from working.Visit Aflac.com for more information about options for health benefits and how to choose a benefits plan.

Top Boat Insurance Basics That May Help You Stay Afloat in this Season

Having the proper insurance may not be the most exciting part of owning a boat, but being savvy matters; the right coverage saves money, time, and hassle in case of an emergency.

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As a new boating season gets underway, boat owners should know the basics of different types of insurance coverage, review their current plan, and be sure they have the one that best meets their needs.Some key areas of coverage to consider this season include:- Salvage savvy. 

No one wants to lose a boat, but if the worst happens, don’t assume salvage is part of your insurance policy.According to the Boat Owners Association of The United States (BoatUS), some boat insurers will subtract the cost of salvage from the boat’s insured value. 

That means owners receive reduced funds for repairs, or less money back if the boat is a total loss. So seek out a policy that offers salvage coverage separate, but equal to the hull-value coverage.- Consequential concerns. 

Consequential damage is a tricky area of boat insurance. Data from Boat US indicate that about half of all sinkings occur when the boat is docked and a small part below the waterline fails, often as a result of wear and tear, corrosion, or inadequate maintenance.

An insurance policy may not cover the failed part, but ensure that it covers "consequential damage," such as major repairs or the cost of the boat in cases of total loss in the wake of a failed part.

This consequential damage coverage generally only applies to major or total losses. It’s typical, for example, to cover the immediate consequential damage resulting from any sinking, fire, explosion, demasting, collision or stranding.- Rescue review. 

On-water towing assistance is an element of some boat insurance policies, but understand what type is right for your needs.If you have only one boat, ask your insurance company whether it offers a towing service. 

Some companies, such as Boat US, have their own towing fleet. Important questions for your insurance company: 

Who is providing the towing service, if not their own fleet? Is there 24-hour service? Will you have to pay out of pocket and seek reimbursement?

For more tips and information to optimize your boat insurance, visit BoatUS.com/ insurance for quotes or contact marine insurance specialists at com-me.com